Home Equity Options

A home equity loan allows you to tap into your home’s equity if you need to make a large purchase or want to have access to a line of credit for purchases or unexpected expenses. Choose between a fixed Home Equity loan with one-time disbursement or a revolving Home Equity Line of Credit.

No pre-payment penalties. You can make extra payments, or pay off the loan early without fees.

Interest paid may be tax deductible. Consult your tax advisor to determine the tax benefits based on your individual situation.

Home Equity Loan vs. Line of Credit

Home Equity Loan

Our Home Equity Loan gives you predictable monthly payments so you can manage your budget.

Low, fixed rates

Flexible terms, up to 15 years

Convenient lump sum disbursement

Home Equity Line of Credit

Our Home Equity Line of Credit (HELOC) can be a great solution if you aren’t sure how much money you need to borrow for upcoming projects, or if you want to consolidate debt. And as you draw the funds you need, you’ll only pay interest on the amount you’ve advanced, rather than the full amount of the loan. Our low, minimum payments can help you budget for expenses, and as you pay down the loan balance the funds will become available for use again.

Low, variable rates

Terms up to 10 years

Draw funds as needed

Cash-Out Refinance

Want to use the equity in your home without taking out a second mortgage? Consider a Cash-Out Refinance.

Apply Today

When you're ready to apply, visit our Mortgage Application Center. Our online application will walk you through the process, and you can step away and save as you go.

Your savings accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Affinity Plus is an Affirmative Action/Equal Opportunity Employer (AA/EOE). All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, protected veteran status or status as an individual with a disability.

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